3.5
KTB / Mastercard
Experience cutting-edge benefits and innovative rewards designed to complement your dynamic and modern lifestyle.
Highlights
1Shopping Spend
2Travel Spend
3Dinign Spend
Perks: Lounge
Local Lounges
How this card compares to the
average PointPlus score?
Who's this card for?
Earn Rates
Points2 points= 1 ROP mile100 points= 10% cashback2 points= 1 ROP mile100 points= 10% cashback
General
Earn 1 KTC Point for every 25 baht spend
Points Miles
General
Earn 1 KTC Point for every 25 baht spend
Points cashback
Shopping, Dining, Travel, Foreign Currency
Earn 1 KTC Point for every 8.33 baht spend
Points Miles
Foreign Currency
Earn 1 KTC Point for every 8.33 baht spend
Points cashback
Points to MilesReceive 1 KTC Point for every 25 baht spend2 points= 1 ROP mileReceive 1 KTC Point for every 8.33 baht spend2 points= 1 ROP mile
General
Earn 1 ROP mile for every 50 baht of General spend
Points
Points Miles
Shopping, Dining, Travel, Foreign Currency
Earn 1 ROP mile for every 16.67 baht of Shopping, Dining, Travel, Foreign Currency spend
Points
Points Miles
Points to CashbackReceive 1 KTC Point for every 25 baht spend100 points= 10% cashbackReceive 1 KTC Point for every 8.33 baht spend100 points= 10% cashback
General
Earn up to 0.4% cashback on General spend
Points
Points cashback
Foreign Currency
Earn up to 1.2% cashback on Foreign Currency spend
Points
Points cashback
Cashback
General
Earn up to 0.4% direct cashback on General spend
Foreign Currency
Earn up to 1.2% direct cashback on Foreign Currency spend
Earn unit:
KTC Points
- 250 Baht = 1 Baht cashback
- Miles Equivalent: 50 Baht / Mile
% Cashback (Higher is better)
Baht / Mile (Lower is better)
Perks
Airport Lounge
KTC X gives you access to Miracle Lounge:
Airports in Thailand:
BKK,
DMK
Usage Quota: 2
Conditions
Must be traveling with Thai Airways to be eligible for lounge access
Fee & Eligibility
Credit Card Fee
Primary Card
- Annual Fee 5,000 baht
Credit Card Fee Waiver Condition
- Primary Card: Waive primary card annual fees with 600,000 baht annual spend
Credit Card Eligibility
Option 1: Minimum Income Qualification
- Requirement for Thai citizen: 50,000 baht per month or more
- Requirement for foreigners: 100,000 baht per month or more
Option 2: Non-Income Qualification
- Fixed Deposit Collateral: Hold fixed deposits of at least 1,000,000 baht at any bank over the past 6 months
- General Deposit Collateral: Hold deposits of at least 1,000,000 baht at any bank over the past 6 months
- AUM Collateral: Hold investments in select assets (including bonds, mutual funds, etc.) of at least 1,000,000 bahtover the past 6 months
- Business Owner: Have at least 50,000 baht in monthly income for Thais, and 100,000 baht in monthly income for foreigners
- Self-Employed: Have at least 50,000 baht in monthly income